Kya aapne kabhi socha hai ki credit card approve na hone par aapko kya karna chahiye? Shayad aap hatash honge, magar Japan mein rehne wale Rachael Kamar ne mauka palta.
Unhone paison ki pareshani se mukti pane ke liye Buy Now Pay Later (BNPL) facility provide karne wali Paidy Inc naamak start-up company start ki.
Credit card ka sapna toota
Rachael Kamar ek samay mein ek aam insaan hua karte the. Unhone Tokyo ke ek bank mein credit card ke liye apply kiya, magar credit report na hone ke karan, bank ne unhe credit card dene se mana kar diya tha.
Is incident ka Rachael par itna gehra asar pada ki unhone apne sapne ko pura karne ka faisla kiya. Unhone socha ki agar unhe credit card nahi mil sakta to kyun na unhe dusron ko credit card ka option provide ki jaye.
BNPL suvidha ka avishkar
Rachael ne Japan mein un logon ke liye BNPL ka ek vikalp uplabdh karaya jinhe credit card nahi milta. BNPL suvidha mein, samanon ko khareedte samay pura paisa khatam hone par hi milta hai.
Paidy mein, buyers ko 3D protection milte hai and paison ko 2-3 mahinon mein 0% interest rate par pay later kar sakte hain. Is tarah, khareedaron ko paison ki chinta nahi hoti aur behtar shopping experience milta hai.
Paidy Inc ka safar
Paidy ko 2014 mein launch kiya gaya aur tab se Paidy ne 6 million users tak pahunch hasil ki hai. Paidy ke sath 7000 se zyada online stores jude hain aur har mahine 1.5 lakh se zyada transactions hote hain.
Paidy ne apne users ko trust aur convenience di hai aur unki loyalty hasil ki hai. Paidy ke users har mahine average 3.3 transactions karte hain aur unka average order value $100 se zyada hota hai.
PayPal ka bharosa
2019 mein, PayPal ne Paidy mein $143 million invest kiya aur ise Japan ki sabse safal fintech companies mein se ek banaya. PayPal ne Paidy ko apna strategic partner mana aur uske sath milkar Japan ke online payment market ko badhane ka irada rakha.
PayPal ke is investment se Paidy ko nayi opportunities aur resources mili hain aur usne apni team aur services ko expand kiya hai. Paidy ab Japan ke alawa dusre Asian countries mein bhi apni presence badhana chahta hai.
Rachael Kamar ne apni mehnat aur junoon se ek arab dollar ki company khadi kar di hai. Unki kahani humein yeh sikhata hai ki agar hum thaan le to hum kuch bhi kar sakte hain.
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